Cheapest 2003 Ford Escort Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Searching for the cheapest insurance rates for your Ford Escort? Are you sick and tired of paying out the nose each month for car insurance? You are no different than many other consumers.
Online insurance companies like State Farm, Progressive and GEICO all claim big savings with catchy ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
It’s important to get comparison quotes quite often because insurance rates are usually higher with each renewal. If you had the best rates on Escort insurance last year a different company probably has better rates today. So ignore everything you know about insurance because you’re going to get a crash course in the easiest way to save on insurance.
Free Quotes for Car Insurance
Most major insurance companies such as 21st Century, Allstate and State Farm give insurance quotes on the web. Getting quotes is quite simple as you simply enter your personal and coverage information into a form. Behind the scenes, their system gets information on your driving record and credit history and generates a price based on many factors. This makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to compare as many rates as possible if you are searching for the best price on car insurance.
The smarter way to find lower prices utilizes a single form to return rates from multiple companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it is rated and you are able to buy any of the quotes returned. If you find a better price you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.
To quickly get comparison pricing now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input the coverage information as shown on your current policy. This helps ensure you’re receiving a price comparison for exact coverage.
Take advantage of discounts
Companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
- Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
- Homeowners Savings – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Claim Free – Claim-free drivers pay less when compared to bad drivers.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
- Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
- Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on your policy on Escort insurance.
Consumers should know that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.
Car insurance companies that may offer these discounts may include but are not limited to:
It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not apply in your area.
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How to know if you need help
When it comes to buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if your insurance needs will benefit from professional help.
- Do I get a pro-rated refund if I cancel my policy early?
- Does my policy pay for OEM or aftermarket parts?
- Which is better, split liability limits or combined limits?
- Do I need special endorsements for business use of my vehicle?
- What is an SR-22 filing?
- Should I bundle my homeowners policy with my auto?
- Can my babysitter drive my car?
- Should I buy only the required minimum liability coverage?
- Am I covered if I break a side mirror?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
What insurance coverages do you need?
Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.
Medical expense coverage
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, surgery and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like vandalism, theft, rock chips in glass and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability auto insurance
This protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things like structural damage, pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.
Collision insurance covers damage to your Escort resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door, hitting a mailbox, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Frequently Asked Questions
What factors can affect the insurance rates for a 2003 Ford Escort?
Factors such as the driver’s age, driving record, location, and coverage options can influence insurance rates for a 2003 Ford Escort.
Are older vehicles generally cheaper to insure?
Yes, older vehicles like the 2003 Ford Escort can often have lower insurance rates compared to newer models.
Can I get discounts on insurance for a 2003 Ford Escort?
Yes, insurance providers may offer various discounts, such as safe driver discounts or multi-policy discounts, that can help reduce the insurance rates for a 2003 Ford Escort.
Are there any specific safety features that can lower insurance rates for a 2003 Ford Escort?
While safety features can vary by model and trim, certain features like anti-lock brakes or airbags may contribute to lower insurance rates for a 2003 Ford Escort.
Does the location where I live affect the insurance rates for a 2003 Ford Escort?
Yes, insurance rates can be influenced by the location where the vehicle is primarily kept, as areas with higher crime rates or traffic congestion may have higher insurance premiums.
Can I compare insurance quotes to find the cheapest rates for a 2003 Ford Escort?
Absolutely! It’s recommended to compare insurance quotes from multiple providers to find the most affordable rates for insuring a 2003 Ford Escort.
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